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    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
    • How about -     Dear Will & John,   Re: your reference XXXXX, vehicle registration XXXXX   cheers for your Letter Before Claim.  I rolled around on the floor in mirth at the idea you thought I would actually take such bilge seriously and then cough up.   Now you know and I know and now you know that I know all the reasons why these residential parking claims are utter pants.   Your thicko client, UKPM, have been hammered in court so many times in these cases, but if they haven't learnt their lesson and want another thrashing, fine, bring it on.   I see the government this week dropped tests for fully-vaccinated travellers returning to the UK, so if your client is daft enough to take me to court then I will delight in tolchocking them, then obtaining an unreasonable costs order under CPR 27.14(2)(g), spending it all on a foreign holiday, and then laughing at your client's expense while I down my aperitivi.   I look forward to your deafening silence.   COPIED TO UK CAR PARK MANAGEMENT LIMITED     Gladstone's and UKPM are well aware of where these letters originate from and that they would have a real battle on in court, so lately have always run away ... although of course there are no guarantees.   However, hang on through tomorrow and see what the other regulars think.
    • 'Walk the ice, take risks and do it quickly'View the full article
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Aktiv Kapitals "New Deal"


merlin100
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It must be "Xmas Bonus" time in the DCA industry.

The missus must be on the latest shortlist of potential mugs as shes now getting daily letters from ****** city!

Anyway, AKs latest propaganda -

 

If she pays £600+ NOW - they will pay the remaining £1100+

 

OR!!

 

the other "fantastic" ( their word) offer is something called New Deal, here is the wording-

 

"New Deal enables you to reduce the amount you owe. You may also be eligable for Aktiv Kapital Plus which enables you to accrue even more money each month ( do tell!), this is put to one side for you in your "New Deal" account to use towards settling your account.

We may also kickstart your "New Deal" account by adding a lump sum to get you started"

You can call us..........

 

Now, here is another account that is almost stat barred. I wonder which bunch of kids dreams this crap up?

And I wonder whats next - "Pay us just £1 now and we will consider writing the debt off. Which translated into DCA speak means "thanks for giving us another 6 years to get this to court".

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I might give them a ring and ask for more info on their 'new deal' see if I can have one too!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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This was about last December too, I remember posting when I received one such offer.

 

Have received another last week, but sadly will not be tempted as it is on a SB debt:violin:

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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They kept sending me offers, "deals" and even... wait for it... "coupons" that could be returned and used against the amount they claimed that I owed.

 

I'd been paying them for quite a while, and when they upped the amount that they said I had to pay each month (I'm on benefits - "New Deal" but more about that in a sec) I thought they were being ridiculous.

 

By that time, I'd found CAG and so I sent them a CCA request. Within 12 days of receipt, I got a letter saying that they would no longer be collecting the alleged debt as they could not get hold of ANY of the relevant documents from the original creditor. I'm just waiting for the next mug DCA to buy an uncollectable debt from them and contact me...

 

So, to this "New Deal" - I wonder if there'd be cause for complaint about that phrase being used. Those on JSA are put on the Government's/DWP's "New Deal" scheme after a cetain amount of time. Many debtors are in receipt of benefits and the use of that phrase could confuse some people into thinking that it might be somehow related to JSA and therefore more respectable or official and benefit (pardon the pun) them in some way.

 

Misrepresentation perhaps?

 

If they're offering such huge discounts, it would make me wonder if perhaps they don't have the correct paperwork and are well aware of this. Have you CCA'd them? Plus, I would think that daily letters would amount to harassment...

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Any offer of a discount should be seen as they 'don't have a legal leg to stand on'.

You must admit that even by DCA's......well you wouldn't call them standards....but lets say, working practices to offer someone a discount is a kin to cutting your nose off to spite your face.

Unless they work on the idea that something is better than nothing? But you have to ask yourself why indeed did it end up in the hands of leeches anyway? Maybe because it is like a poison challice round the OC's neck and they want to be rid of it, so sell it to morons, claim the rest of the money back through their insurance/tax relief, and pass the buck. If any alleged debt that was bona fide, then the OC would hold onto it and take the debtor to court claiming ALL the alleged debt.

These tin pot DCA's are comedians, driven by greed and materialistic objects, they know no bounds and have blood on their hands, who could possibly want to work for such a disgraceful organisation that is willing to push people to suicide and attempt to bully people that for one reason or another cannot pay what this country's banks have forced on them.

Come on trolls.....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Well said.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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unfortunately these scams work because not everybody knows their rights, so they see this and fall for it, lets face it they send out 1000 of these and 80% fall for it that is 800 accounts paying these **** something

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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I had a missive from them this morning regarding a well statute barred debt, rang up and gave some unfortunate an earful because I felt competent to do so - they hung up on me and I wasn't being rude just more knowledgeable.

 

Anyway do not call them unless you really know what you are talking about and more to the point only if you are in the right mood for it.

 

Statute Barred letter now sent, and an OFT complaint made about Philips for selling it on to Aktiv when I had already told them it was statute barred and no payment would be forthcoming.

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Just received this, nothing to do with the recent OFT ruling which I also sent them a copy of I suppose...

 

Dear kerravon

 

Thank you for your email.

 

We have investigated the issues raised in your letter, and can confirm that legal action on this account would be statute barred under the Limitations Period. We have therefore taken the decision not to pursue this matter any further.

 

We can confirm that the account is now closed and you should receive no further contact from us with regards to this matter.

 

Please contact us if you have any further queries.

 

Regards,

Joleigh Penniall

Customer Services Department

Aktiv Kapital (UK) Ltd.

 

Aktiv Kapital UK Ltd.

PO Box 444, Bromley, Kent, BR1 1ZB

Tel 0800 015 5505

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I had similar letters from them, eventually.

 

The debt was previously chased by Intrum Justitia (who were very threatening), Moorcrofts, and I'm sure some more, before Aktiv got their hands on it. I received every kind of threat in the book from these various firms, and somehow the debt managed to creep up from around £5,800 to just under £8,000 (not much creeping there - I'd call it 100mph increase!) by the time things came to a head.

 

The debt was Statute Barred and that's why Aktiv started to get 'generous' towards me. They stopped the THREATENING BY WRITING IN BIG HUGE CAPIAL LETTERS approach, and stopped writing on bright orange paper to try and grab my attention and scare me. They started offering 10% off the balance if I paid in full, and this 'discount' gradually went up and up.

 

When I ignored their kindness they started "writing up legal papers" blah blah, so I sent them the SB letter. Got back the most beautiful letter I'd ever seen them write, with:

 

"We can confirm that legal action on this account would be statute barredlink3.gif under the Limitations Period. We have therefore taken the decision not to pursue this matter any further. We can confirm that the account is now closed and you should receive no further contact from us with regards to this matter."

 

I cannot tell you how happy that letter made me! Finally I'd got the better of the ba$tards who work in the debt collection industry. One small victory but still more debts to pay off (which I am paying off) and yes I got railroaded into a Charging Order with Link, but this victory was sweet.

 

And talking of Link, that reminds me - of late, they keep leaving me phone messages to call them. All very chirpy and friendly with happy tones etc. but it appears they flatly refuse to write to me when I don't call them back. My monthly repayments to them continue and I assume they're at their usual trick of trying to talk me into upping my payments. They can keep those calls coming in for all I care.

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Aktiv are a bunch of morons. Spouse owes about £1400 for a 7 year old debt and we asked them for a settlement figure and they came up with £800. We tried to negotiate with them to accept £650 but they would not budge. As my spouse is now unemployed we then requested that the monthly payment be dropped to £10. Stunned silence, a bit of muttering about "but you have £650". Tough we said you refused it and now we can only pay £10 per month. Thinking of reducing it to £1 per month now. :-D

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Just received this, nothing to do with the recent OFT ruling which I also sent them a copy of I suppose...

 

Dear kerravon

 

Thank you for your email.

 

We have investigated the issues raised in your letter, and can confirm that legal action on this account would be statute barred under the Limitations Period. We have therefore taken the decision not to pursue this matter any further.

 

We can confirm that the account is now closed and you should receive no further contact from us with regards to this matter.

 

Please contact us if you have any further queries.

 

Regards,

Joleigh Penniall

Customer Services Department

Aktiv Kapital (UK) Ltd.

 

Aktiv Kapital UK Ltd.

PO Box 444, Bromley, Kent, BR1 1ZB

Tel 0800 015 5505

 

wait for the next leecher to buy it on a phishing list!

 

ignore them!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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